Revenue and net income trends remain below our expectations.

Overall, the results projections are slightly above expectations, based mainly on the upbeat outlook in the non-life insurance business.

Seniors and young families on a fixed income are most affected. They are taking beautiful neighborhoods and transforming them into a bunch of beeping horns and people drinking.

We have high expectations. Our goal is to become (Imperial Valley League) champions and hopefully get back to that CIF championship game.

Strong lending results, respectable deposit growth, well-behaved credit trends and excellent results from some of our fee businesses have not been enough to overcome the performance in spread-based revenues.

We agree with the consensus out there about the interest rate environment, and we are taking steps to react to that by working harder on the deposit side,